What is Level Premium Term Insurance?
Level Premium Term Life Insurance provides the most protection for your premium dollar. National Catholic Society of Foresters (NCSF) offers 10-, 20- or 30-year level death benefit term certificates. This product guarantees that the premium will not increase for the first 10 years. After the initial guaranteed period, the premium may increase. However, for a small additional payment, you can guarantee that the premium will remain level during the full 20- or 30-year term. The certificate is renewable to age 95.

Who should consider Level Premium Term Life Insurance?

	Individuals who need to cover their mortgage and secure their home for survivors.
	Young families with limited resources who need to provide for educational needs and survivor income.
	Control of your money during your lifetime by access to cash values and loan options.
	Young adults who need affordable protection now with the ability to convert to permanent insurance later.
	Anyone who needs the most life insurance for his or her premium dollar.

Additional Features of NCSF Level Premium Term Life Insurance.

	It can be converted to a permanent, cash value life insurance certificate without evidence of good health or insurability.
	It is affordable protection with a guaranteed death benefit.
	The death benefit paid to beneficiaries is income tax free.**
	Riders may be added to enhance your certificate: Accidental Death Benefit, Waiver of Premium, or Dependents/Family Protection.
	Purchase provides the full membership benefits of NCSF.

** Consult your tax advisor regarding your individual situation.

How to Purchase
To acquire NCSF Level Premium Term Life Insurance contact your local NCSF agent. He or she will be able to discuss your current situation and make suggestions regarding the appropriateness of this product for you.

If you do not have a local agent, please call the solutions center at the NCSF Home Office: 800-344-6273, ext 234. A representative will take your information and contact the appropriate regional sales manager who will assist you. We are here to serve you.

Product/features may not be available in all states.